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GBCI vs SFNC
Which Stock Would AI Choose? Glacier Bancorp, Inc. (GBCI) vs. Simmons First National Corporation (SFNC) Stock Comparison
Key Takeaways
- Both GBCI and SFNC are regional bank holding companies delivering comparable one-month gains of approximately 10-11%, reflecting resilience in the banking sector.
- SFNC has outperformed year-to-date with 16% gains versus GBCI's 12%, driven by strong Q1 loan growth.
- GBCI boasts a larger market cap around $6.2 billion compared to SFNC's $3.1 billion, indicating greater scale.
- Recent earnings highlight SFNC's net interest margin (NIM, a key measure of lending profitability) expansion and 10% annualized loan growth.
- Tickeron's AI bots show diverse strategies with win rates up to 87%, potentially applicable to bank stocks like these amid sector rotation.
Introduction
In the competitive regional banking landscape, GBCI and SFNC represent established players with footprints in distinct U.S. regions. This comparison analyzes their recent market performance, operational strengths, and positioning amid interest rate dynamics and economic shifts. Traders seeking momentum plays and long-term investors evaluating stability in financials will find value here, as both stocks have shown resilience with double-digit monthly gains. Key metrics like loan growth, NIM trends, and relative valuation provide insights into their stock comparison and market positioning.
GBCI Overview and Recent Performance
Glacier Bancorp, Inc. (NYSE: GBCI) serves as the holding company for Glacier Bank, delivering commercial banking services including deposits, loans, and treasury management to individuals and businesses across Western states like Montana, Idaho, and Utah. With a market cap near $6.2 billion, it emphasizes community-focused lending and has pursued growth through mergers and acquisitions (M&A, deals where companies combine).
In recent market activity, GBCI stock has risen about 10.6% over the past month and 12% year-to-date, trading around $49. Q4 2025 results showed net income of $63.8 million and diluted EPS (earnings per share) of $0.49, with full-year net income at $239 million. Sentiment has been supported by a steady dividend and a CFO transition announcement, though upcoming Q1 2026 earnings may influence near-term momentum. Broader sector tailwinds from stabilizing rates have aided performance, tempered by acquisition integration risks.
SFNC Overview and Recent Performance
Simmons First National Corporation (NASDAQ: SFNC) operates as the holding company for Simmons Bank, offering deposits, consumer and commercial loans, credit cards, trust services, and brokerage across the Mid-South, including Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas. Its $3.1 billion market cap reflects a focus on diversified financial products for retail and business clients.
Recent weeks have seen SFNC advance roughly 10.8% in the past month and 16% year-to-date, with shares near $21.66 and a trailing P/E (price-to-earnings ratio, valuation multiple) of 13.73. Q1 2026 earnings met estimates, featuring 10% annualized loan growth and NIM expansion, alongside positive deposit strategies. These factors have boosted sentiment, with shares outperforming the S&P 500 amid favorable banking conditions, though revenue slightly missed expectations.
Trending AI Robots
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Head-to-Head Comparison
Both GBCI and SFNC operate in the regional banking sector, focusing on loan portfolios and deposit bases, but differ in scale and geography: GBCI's Western U.S. presence contrasts SFNC's Mid-South operations. Growth drivers include SFNC's recent loan expansion versus GBCI's M&A history. Momentum favors SFNC with superior YTD and one-year returns, though GBCI offers larger size and stability (beta 0.74). Risk factors encompass interest rate sensitivity and credit quality (non-performing loans, NCOs), with both benefiting from NIM improvements. Market sentiment tilts toward SFNC post-earnings, but GBCI edges in dividend consistency.
Tickeron AI Verdict
Tickeron's AI models would likely favor SFNC in the current environment due to its stronger recent momentum, Q1 catalysts like loan growth and NIM gains, and relative outperformance. GBCI remains competitive with scale advantages and steady trends, but SFNC shows higher probability of continued upside based on observable stability and sector tailwinds.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is GBCI is a Buy and SFNC is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
GBCI’s FA Score shows that 1 FA rating(s) are green whileSFNC’s FA Score has 0 green FA rating(s).
- GBCI’s FA Score: 1 green, 4 red.
- SFNC’s FA Score: 0 green, 5 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
GBCI’s TA Score shows that 6 TA indicator(s) are bullish while SFNC’s TA Score has 3 bullish TA indicator(s).
- GBCI’s TA Score: 6 bullish, 4 bearish.
- SFNC’s TA Score: 3 bullish, 3 bearish.
Price Growth
GBCI (@Regional Banks) experienced а +1.93% price change this week, while SFNC (@Regional Banks) price change was -0.17% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.44%. For the same industry, the average monthly price growth was +6.98%, and the average quarterly price growth was +18.36%.
Reported Earning Dates
GBCI is expected to report earnings on Jul 23, 2026.
SFNC is expected to report earnings on Jul 16, 2026.
Industries' Descriptions
@Regional Banks (+1.44% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| GBCI | SFNC | GBCI / SFNC | |
| Capitalization | 6.74B | 3.31B | 203% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 18.391 | 24.231 | 76% |
| P/E Ratio | 22.86 | 13.73 | 167% |
| Revenue | 1.09B | 126M | 863% |
| Total Cash | 322M | 343M | 94% |
| Total Debt | 322M | 762M | 42% |
GBCI | SFNC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 34 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 74 Overvalued | 89 Overvalued | |
PROFIT vs RISK RATING 1..100 | 94 | 100 | |
SMR RATING 1..100 | 30 | 71 | |
PRICE GROWTH RATING 1..100 | 45 | 44 | |
P/E GROWTH RATING 1..100 | 49 | 84 | |
SEASONALITY SCORE 1..100 | 50 | 43 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
GBCI's Valuation (74) in the Regional Banks industry is in the same range as SFNC (89) in the Major Banks industry. This means that GBCI’s stock grew similarly to SFNC’s over the last 12 months.
GBCI's Profit vs Risk Rating (94) in the Regional Banks industry is in the same range as SFNC (100) in the Major Banks industry. This means that GBCI’s stock grew similarly to SFNC’s over the last 12 months.
GBCI's SMR Rating (30) in the Regional Banks industry is somewhat better than the same rating for SFNC (71) in the Major Banks industry. This means that GBCI’s stock grew somewhat faster than SFNC’s over the last 12 months.
SFNC's Price Growth Rating (44) in the Major Banks industry is in the same range as GBCI (45) in the Regional Banks industry. This means that SFNC’s stock grew similarly to GBCI’s over the last 12 months.
GBCI's P/E Growth Rating (49) in the Regional Banks industry is somewhat better than the same rating for SFNC (84) in the Major Banks industry. This means that GBCI’s stock grew somewhat faster than SFNC’s over the last 12 months.
| GBCI | SFNC | |
|---|---|---|
| RSI ODDS (%) | 3 days ago 81% | 3 days ago 84% |
| Stochastic ODDS (%) | 3 days ago 62% | 3 days ago 68% |
| Momentum ODDS (%) | 3 days ago 64% | N/A |
| MACD ODDS (%) | 3 days ago 64% | 3 days ago 55% |
| TrendWeek ODDS (%) | 3 days ago 62% | 3 days ago 67% |
| TrendMonth ODDS (%) | 3 days ago 60% | 3 days ago 56% |
| Advances ODDS (%) | 9 days ago 63% | 10 days ago 60% |
| Declines ODDS (%) | 5 days ago 63% | N/A |
| BollingerBands ODDS (%) | 3 days ago 69% | 3 days ago 63% |
| Aroon ODDS (%) | 3 days ago 54% | 3 days ago 51% |
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| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| KNG | 51.63 | 0.81 | +1.59% |
| FT Cboe Vest S&P 500® Dv Ast Tgt Inc ETF | |||
| CCIF | 2.80 | 0.04 | +1.45% |
| Carlyle Credit Income Fund | |||
| FSCS | 36.99 | N/A | N/A |
| First Trust SMID Capital Strength ETF | |||
| MYMK | 25.03 | N/A | N/A |
| State Street® My2031 Municipal Bond ETF | |||
| XSW | 176.45 | -0.31 | -0.18% |
| State StreetSPDRS&PSftwr&SvcsETF | |||
GBCI and
Correlation & Price change
A.I.dvisor indicates that over the last year, GBCI has been closely correlated with UBSI. These tickers have moved in lockstep 84% of the time. This A.I.-generated data suggests there is a high statistical probability that if GBCI jumps, then UBSI could also see price increases.
| Ticker / NAME | Correlation To GBCI | 1D Price Change % | ||
|---|---|---|---|---|
| GBCI | 100% | -1.84% | ||
| UBSI - GBCI | 84% Closely correlated | N/A | ||
| SFNC - GBCI | 83% Closely correlated | N/A | ||
| ONB - GBCI | 83% Closely correlated | N/A | ||
| AUB - GBCI | 83% Closely correlated | -2.15% | ||
| FULT - GBCI | 82% Closely correlated | N/A | ||
More | ||||